Characters start with 10 in each stat. For example, the Occult Modifier is the total of points that exceed the starting value of 10, so OccMod for a character who has Occult of 15, is 5. FullOcc is the full value of the stat with the base included. Abbreviations such as OccMod, IntMod, FullOcc and FullInt are used frequently in the spellbook.